I don't think romanticising struggle is a bad thing, as long as you have something to show for it at the end. Struggling can be a catalyst for growth and change.
Saying that, some of the most miserable people I've ever known have been obscenely wealthy.
Money can make things a hell of a lot easier though, as long as you're sensible with it. I don't believe it can buy happiness, but it can certainly alleviate sadness.
Barring anything unforseeable, I'm going to have a healthy pension. If I were to lose my job tomorrow, I'd be fine for a long time without income. If my partner and I separated, we'd both be secure. If one of us gets sick, we have private health insurance.
It's even the little things. If I have a bad week at work, I can buy myself something at the weekend to cheer myself up. If we're stressed out, we can pack a bag and go on holiday.
The alternative - and I've been there - is to have any/all of those problems while also worrying where next months rent is coming from or how to put food on the table.